I guess I must be "flakey" as I am a conspiracy theorist. Once again the big banks are not going to be held accountable for their attempts to rid all of us of our hard earned money. The proof is in the pudding,and there is tons of info. out there for anyone who is truly interested. http://www.thedailybeast.com/articles/2012/08/14/why-goldman-sachs-other-wall-street-titans-are-not-being-prosecuted.html